The OpenSky® Secured Visa® Credit Card

Capital Bank N.A. is an Experian Partner

The OpenSky® Secured Visa® Credit Card logo.

The OpenSky® Secured Visa® Credit Card

Rated 4.19 out of 5 stars, 335 reviews

Recommended FICO® ScoreΘ

Poor, New to Credit, Rebuilding

Annual Fee:

$35

Intro APR:

N/A*

Ongoing APR:

25.64% Variable

Ongoing Balance Transfer APR:

N/A*

  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • Extend your $200 credit line by getting considered for an unsecured credit line increase after 6 months, no additional deposit required!
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Join over 1.2 million cardholders who’ve used OpenSky to build their credit
  • No credit check required

  • Refundable security deposit

  • Annual fee

See all Capital Bank N.A.‘s offers

Review Snapshot

Opinions are provided by Experian users that are actual credit card customers and do not reflect the views of Experian or the lender.

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.

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